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For young families or those just starting out life together, term insurance provides protection for you and your family for an affordable monthly premium.

Term life insurance offers straightforward, lower cost insurance coverage for a specific period of time, typically from 10 to 30 years depending on your circumstances. You simply choose the time frame and coverage amount to suit your need. It's generally more affordable than whole life and universal life insurance, as you are covering a specific time period, rather than your entire life. There are generally health checks involved, and you can convert the coverage to permanent life insurance at any time during the life of the policy.

Term life insurance can:

  • Provide for loss of family income
  • Cover your child’s education
  • Protect your family's standard of living
  • Provide protection as you pay off loans, mortgages or education costs

Get a Term Life Insurance Quote Now

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Why choose term life insurance

Term life insurance gives you the chance to protect you and your loved ones against the one part of life few of us like to talk about - our death. A sudden death in the family is a shock enough in itself, without the resulting concerns over income, future finances and funeral expenses. With term life insurance, you can protect the financial security of those you leave behind, including dependent children.

Term coverage is the least expensive and most common type of life insurance. It is used as a temporary solution, insuring needs such as the payment of a mortgage or the replacement of a spouse’s income. Its affordability allows families to purchase the larger amounts that are required to meet these costly needs. If your needs change during the life of the policy, term insurance can usually be converted to a type of permanent life insurance at any time without providing medical evidence.

Much like home and auto insurance, you pay into a term insurance policy with the hope you will not have to make a claim, and you receive nothing back when the coverage ends.  

If this all sounds a little complex, don't panic! The team at Ian C. Moyer Insurance Agency will guide you through all the options, and advise if term life insurance is right for you and your circumstances. Our advice is friendly, impartial and based on years of experience helping our community choose the right insurance policies that suit their needs, not ours!  Call us today at 1-800-565-5444.

Contact Information


Phone: 1 519 485 5801

Toll Free: 1 800 565 5444

Fax: 1 519 425 1207

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